Know where you're starting from. Select all memory ranges
Do something which makes your gold increase or decrease - I just sold something
Search for 'Changed'
Do something which causes your gold not to increase/decrease - open screens, move stuff round etc
Search for 'Unchanged'
Do something which makes your gold increase or decrease - I just bought my thing back
Search for 'Changed'
Repeat until you are down to less than a hundred results
Start at the top of the list looking for large negative values
Each one in turn copy the value, then delete the last digit
If this doesn't affect your gold then put the digit back and move on to the next one
If it resets your gold to zero then stop at this point.
Put the digit back to confirm that it goes back to the original value
Write down this offset and value, plus the next offset and value (the offsets should be separated by a count of 4
Set this value plus the next one in the list to zero
Your gold should go to 920 million or so
The same procedure will work for gems as well. Just don't rush it or you'll end up making a mistake - I got there in about ten minutes each time.
No idea about doing this for character level etc, but don't care. I like ploughing through the game and levelling up properly, just enjoy the bit of extra assistance to avoid the repetitive grind for gems/gold.